Closing the Information Gap


5 Questions to Ask Before Starting an Immediate Financing Arrangement (IFA)
The Immediate Financing Arrangement (IFA) is a powerful but complex strategy. Before committing, it’s crucial to ask the right questions about how it works, if it’s a fit for you, and what the real risks and benefits are.

Unwinding an IFA: What Are the Options for an Early Exit?
An essential guide for accountants on the strategic options for an early exit from an Immediate Financing Arrangement (IFA). This article details the four pathways to unwind an IFA, analyzes the critical tax consequences, and explains how to avoid a catastrophic “double tax event”.

IFA-Enhanced Philanthropy: A Research Companion for Accountants
A research companion for accountants on combining an IFA with strategic philanthropy to amplify client impact, create new assets, and preserve their estate.

IFA-Enhanced Estate Equalization: An Accountant’s Guide
Discover how to use an Immediate Financing Arrangement (IFA) to fund a life insurance policy for estate equalization, allowing your clients to treat all heirs fairly without selling the family business.

The IFA Mindset: Is Your Temperament Suited for a Leveraged Strategy?
Explore the “IFA Mindset,” the unique blend of psychological fortitude, emotional discipline, and long-term perspective required to successfully manage a leveraged financial strategy like an Immediate Financing Arrangement.

Using an Existing Life Insurance Policy for an IFA: An Accountant’s Guide
Discover whether you can use an existing life insurance policy for an Immediate Financing Arrangement (IFA). This guide for accountants weighs the pros and cons of leveraging a current policy versus acquiring a new one, focusing on lender requirements, financial efficiency, and key strategic trade-offs.

How to Select an IFA Lender: An Accountant’s Guide
A practical guide for accountants on selecting an IFA lender in Canada. Includes a due diligence framework, a comparative worksheet, and key client talking points.

A Guide to IFA Insurers and Lenders
An Immediate Financing Arrangement (IFA) is built with two key providers: an insurance company and a lender. This guide for accountants explains the different types of insurers and lenders in the Canadian market and shows how strategically pairing them is essential to structuring a successful IFA that aligns with specific…

A Look Under the Hood: Why Whole Life is the Engine for an IFA
For accountants: discover why the contractual guarantees and specific design of Whole Life insurance make it the only suitable engine for a stable, long-term Immediate Financing Arrangement (IFA).
